Question: Would like to quit my job because my mom is ill and need to take care of her. I have bone on bone with both knees and will need surgery down the road. I have been having steroid injections for the past 2 years and have been very helpful. My husband is planning on putting me on his plan what complications do you think we will have with getting me coverage?
Answer: If your husband’s health plan is a group health insurance plan. You will be able to be added to his plan on the month following your employment termination. Your loss of employer-sponsored group health insurance is a qualifying event that will enable your husband’s plan to pick you up without having to wait for his plan’s open enrollment period. If your husband’s health plan is individual health insurance, you will probably be declined. That will leave COBRA coverage as your next option.